Date :

To
The Branch Manager
Housing Development Finance Corporation Limited
[ address of HDFC service centre]

Sub: Housing Loan Account Number ________

I /We ________had availed a loan of Rs. ________ (“the said Loan”)for purchase of Unit no. _____
located at ________ (“the said Property”) in the project ___________ [name of the project], being developed by
______ [ name of the developer]( referred to as “the Developer”).

. The said Loan is secured by security interest on the said Property.

In this regard I / we hereby declare and affirm as under:-

1) That the said Loan has been availed by me/us for purchase of the said Property for my/our own
residential purpose;

2) That based on my/our representation, HDFC has categorized and classified the said Loan as a
Housing Loan;

3) That purchase of the said Property is purely a sale and purchase transaction between
myself/ourselves and the Developer and there is no arrangement of any nature whatsoever by
and between me/us and the Developer with regard to the said Property and /or any interest
therein;

4) That I /we shall not deal with the said Property in any manner whatsoever, including but not
limited to any sale and purchase back arrangement and/or cash back arrangement with the
Developer or such other party without specific written permission from HDFC;

5) That my/our own contribution amounting to Rs. ______ being my/our equity in the said
Property has been contributed from my/our own income / receipts and the same is not
proceeds of any act which is not legitimate under any law as applicable in this regard.

I/we agree and understand that this is a good faith Declaration/Undertaking and at the strength of this,
HDFC has sanctioned and agreed to disburse the said Loan under its classification as a Housing Loan.
Incase of any reclassification resulting into extra provisioning effectuated on account of this
Declaration/Undertaking being false or proven to be false, I/We shall make good all the loss to HDFC,
including but not limited to the amount of increased capital cost and missed business opportunity on
account of capital lock.